Umba Credit (Sales) Officer Jobs in Kenya

Umba Credit (Sales) Officer Jobs in Kenya

About Umba

Our mission is to make banking free across Africa, empowering our customers to control their financial lives by ensuring financial services are affordable, efficient, and widely available.

We are pursuing a once-in-a-generation opportunity to revolutionize financial services in Africa-lowering the cost and increasing the reach of banking while serving the next billion mobile consumers that are coming online

We are passionately customer-centric, delivering mobile banking with an exceptional user experience. We leverage advanced machine learning to allow us to create intelligent, affordable financial products for emerging markets where credit is not widely available

Headquartered in San Francisco and growing rapidly in Mexico, Nigeria, and Kenya, Umba launched in the Nigerian market and is expanding quickly into additional markets starting with Kenya. We offer a broad range of digital banking products to our customers through Android and iOS apps and have a culture of exceeding customer expectations which has generated explosive growth.

We are looking for exceptional talent but also for people that share our vision, drive, and sense of mission. Come join us to build the biggest neo-bank in Africa.

About the role

We are seeking a highly motivated and detail-oriented Credit Officer to join our team. As a Credit Officer, you will play a crucial role in sourcing, managing and assessing credit applications especially logbook loans from individuals and businesses. Your primary responsibility will be to plan for and drive business growth in terms of clientele, loan portfolio and quality.

You will also evaluate creditworthiness, analyze financial data, and make informed decisions regarding loan approvals. While ensuring compliance with regulatory requirements and contributing to maintaining a high standard of customer service, you will also be responsible for developing and executing sales strategies that drive revenue for the company, and monitoring and reporting on sales goals, adjusting tactics as needed to reach them.

We invite you to join our dynamic team and contribute to the growth and success of our digital bank by playing a key role in ensuring responsible and efficient credit operations.

Responsibilities

Process ownership: Owning and managing the sourcing, negotiating, signing, and management of logbook loan accounts.

Evaluate credit applications: Review loan applications submitted by individuals and businesses, assess financial information, and determine creditworthiness based on established criteria.

Conduct financial analysis: Analyze financial statements, credit reports, and other relevant data to assess

the applicant’s ability to repay the loan and manage credit risk.

Assess collateral and security: Evaluate collateral or security offered by loan applicants and determine its value and adequacy to mitigate potential credit risks.

Verify documentation: Ensure that all required documents and information provided by applicants are complete, accurate, and comply with internal policies and regulatory guidelines

Collaborate with stakeholders: Work closely with loan officers, underwriters, and other internal teams to gather additional information, clarify details, and ensure smooth loan processing.

Maintain credit files: Maintain accurate and up-to-date credit files and documentation, including loan applications, financial statements, and other relevant records.

Monitor credit portfolio: Monitor the performance of existing loans, review repayment patterns, identify potential credit concerns, and take appropriate actions to mitigate risks.

Ensure compliance: Adhere to regulatory requirements and internal policies related to credit evaluation, loan processing, and customer data confidentiality.

Provide exceptional customer service: Communicate effectively with applicants, providing clear explanations of credit decisions, addressing inquiries, and ensuring a positive customer experience.

Skills and Qualifications

Bachelor’s degree in finance, accounting, or a related field. Relevant certifications or professional qualifications in credit analysis are a plus.

Proven experience as a Credit Officer or similar role in a financial institution, preferably in a digital banking environment.

Strong analytical skills with the ability to interpret complex financial information and assess credit risk.

In-depth knowledge of credit evaluation techniques, loan underwriting principles, and regulatory requirements.

Familiarity with digital banking platforms and loan management systems.

Excellent attention to detail and strong organizational skills.

Ability to work independently and make sound decisions within established guidelines.

Effective communication and interpersonal skills.

Proficiency in using financial analysis software and MS Office applications.

Commitment to maintaining confidentiality and handling sensitive customer information ethically.

Understanding of market trends, industry best practices, and emerging technologies in credit analysis and lending.

How to Apply

For more information and job application details, see; Umba Credit (Sales) Officer Jobs in Kenya

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